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Absolutely agree Roger. I just signed up for the Norwich and Peterborough account and a Nationwide Flexplus. I did Flexplus for all the insurance and motoring benefits, and N&P for the free cash withdrawals, as it wasnt shown on this site that Nationwide does free cash withdrawals too! Makes it an even better deal! Would be helpful if that was shown on her to help with our decision making.

The Nationwide FlexPlus account is linked to within the above "travel credit cards" article, where you'll see...

"What's the deal with the debit card and overseas transactions? The debit card with the account has no fee or load for cash withdrawals abroad, making it a leading debit card for overseas use, but still has a 2% charge when using it for overseas purchases, so don't use it for this."

Most people pay their credits off in full. Credit card companies still want such people, otherwise they wouldn't give them the interest free period between purchase and payments date. They make money from charging the retailer.

I'm going to New York in December and wanted to get a credit card for my trip. Is it better to get one that offers 0% interest or one that is free to use abroad? I'm not sure what would be more beneficial. I'm not planning on spending loads on it I just want it as back up. I don't currently have a credit card.

I'm going to New York in December and wanted to get a credit card for my trip. Is it better to get one that offers 0% interest or one that is free to use abroad? I'm not sure what would be more beneficial. I'm not planning on spending loads on it I just want it as back up. I don't currently have a credit card.

I think information about cash withdrawals on Halifax Clarity credit card is wrong/misleading.

“

You can minimise this cost: you’re only charged interest until you’ve fully repaid the balance, so if you pay off the withdrawal amount as soon as you can (via internet banking while abroad, or when you return home) you can minimize interest.

”

I tried that and it appears that you need not only to pay in the amount you withdrawn but all purchases before that. (I guess because APR on both spending and withdrawals are the same then don't have to accept your payment for withdrawals first.)

I think information about cash withdrawals on Halifax Clarity credit card is wrong/misleading.

I tried that and it appears that you need not only to pay in the amount you withdrawn but all purchases before that. (I guess because APR on both spending and withdrawals are the same then don't have to accept your payment for withdrawals first.)

No - only statemented purchases. Payments always go towards statemented purchases (ie those that were on your last monthly statement or previous ones) before unstatemented purchases (ie those since your last statement date). Credit cards have to work this way if you think about it.

But unstatemented cash advances are paid before unstatemented purchases. As long at it's hit the account, sometimes it takes a day or 2 to hit the account.

The easy way to use the Clarity is to go on holiday, and clear the whole balance when you get back.

The more complicated way is to just clear the previous statement balance plus any cash advances when you get back.

The extreme MSE way is to pay the cash advance while on holiday, having first checked that the withdrawal has hit the account, and at the same time paying off any balance on the previous statement.

For a short holiday, it really isn't worth messing about with the last method, I just clear the cash & previous statement balance when I get back, on my last holiday it cost me about 30p in interest.

Yes the FlexPlus is a good account but as you have Halifax accounts it's well worth getting the Clarity as well, since it gives you a backup, sometimes cards get blocked even if you tell them you're going abroad. Also you get £5 a month on the Clarity as well as long as you meet the bank account paying in criteria.

What a stupid way of displaying it! They charge a fee in the rate then refund that charge! The Clarity and Nationwide just convert at the MasterCard/VISA rate without any messing around charging and refunding.

Poor credit but high salary, just got the Creation card at 21.9% with £1000 limit. Good enough for my upcoming trip as we won't spend even a quarter of that and will have savings beforehand to cover it.

I did consider the Revolut card but it's nice to have this available if we need something like car hire.

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